fully that this is proof that you had a mortgage with them. What proof do you
have that there was PPI attached to the mortgage?
That is the
I can tell
you that although there have been many attempts to get one off the ground,
there is no central record of mortgages, borrowers, lenders or account numbers
and if the Halifax records have been destroyed because the mortgage was
discharged 17 years ago, then there is nothing that you, solicitor or even the
court can do about it.
faced therefore with coming up with some proof that there was PPI attached to
the mortgage and of the amount that you paid.
refer this to the Financial Ombudsman on the basis that Halifax are being
obstructive and it would be for the Ombudsman to decide whether they genuinely
have not got these records or not.
admit that I am inclined to think that they are simply saying they are not on
their computer and I do not think they have carried out a search of their old
records. I cannot believe that the Halifax do not have this information. You
could get a solicitor to threaten an application to court for pre-action
disclosure that if they genuinely do not have these records, there is nothing
that you can do or the court can do, as I said earlier.
It would be
worth speaking to this firm, http://aegis-law.co.uk/aegis-online/contact-us/
who have a
specialise in PPI claims. We are not allowed to recommend firms on here but I
do have experience of using them. Speak to Shirley Shacklady and mentioned that
you came from this site.
the contact email because my understanding is that it does not work or is
unreliable. Pick up the phone. The telephone call will only cost you the price
of the phone call which is a local rate. They will not charge you for giving
the advice and would probably take this on for you. If it is not one that they
would take on (bear in mind that if they do not recover anything, they do not
get paid) than it is one of those that I am sorry, but you are probably going
to have to write-off.
does remain open for me to answer follow-up questions.
offline shortly until later and will pick this up then if needed.